{"id":21204,"date":"2024-11-13T00:46:08","date_gmt":"2024-11-13T05:46:08","guid":{"rendered":"https:\/\/songlawfirm.com\/%eb%89%b4%ec%a0%80%ec%a7%80%ec%97%90%ec%84%9c-%eb%8f%99%ec%8a%b9%ec%9e%90%eb%a1%9c%ec%84%9c-%ec%82%ac%ea%b3%a0%ea%b0%80-%eb%82%ac%ec%9d%84-%eb%95%8c-%ec%9d%98%eb%a3%8c%eb%b9%84%eb%8a%94-%ec%96%b4\/"},"modified":"2025-08-11T10:32:33","modified_gmt":"2025-08-11T14:32:33","slug":"%eb%89%b4%ec%a0%80%ec%a7%80%ec%97%90%ec%84%9c-%eb%8f%99%ec%8a%b9%ec%9e%90%eb%a1%9c%ec%84%9c-%ec%82%ac%ea%b3%a0%ea%b0%80-%eb%82%ac%ec%9d%84-%eb%95%8c-%ec%9d%98%eb%a3%8c%eb%b9%84%eb%8a%94-%ec%96%b4","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%eb%89%b4%ec%a0%80%ec%a7%80%ec%97%90%ec%84%9c-%eb%8f%99%ec%8a%b9%ec%9e%90%eb%a1%9c%ec%84%9c-%ec%82%ac%ea%b3%a0%ea%b0%80-%eb%82%ac%ec%9d%84-%eb%95%8c-%ec%9d%98%eb%a3%8c%eb%b9%84%eb%8a%94-%ec%96%b4\/","title":{"rendered":"\ub274\uc800\uc9c0\uc5d0\uc11c \ub3d9\uc2b9\uc790\ub85c\uc11c \uc0ac\uace0\uac00 \ub0ac\uc744 \ub54c \uc758\ub8cc\ube44\ub294 \uc5b4\ub5bb\uac8c \ucc98\ub9ac\ub420\uae4c?"},"content":{"rendered":"

\ub274\uc800\uc9c0\uc5d0\uc11c \ud0c0\uc778\uc758 \ucc28\ub7c9\uc5d0 \ub3d9\uc2b9 \uc911 \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud588\uc744 \ub54c, \uc758\ub8cc\ube44\uac00 \uc5b4\ub5bb\uac8c \ucc98\ub9ac\ub418\ub294\uc9c0 \uc774\ud574\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0\ub294 \ubb34\uacfc\uc2e4<\/strong> \ubcf4\ud5d8<\/strong> \uc2dc\uc2a4\ud15c<\/strong>(No-Fault Insurance System)\uc744 \ucc44\ud0dd\ud558\uace0 \uc788\uc5b4, \ub3d9\uc2b9\uc790\uac00 \ubcf8\uc778 \uba85\uc758\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc744 \uac00\uc9c0\uace0 \uc788\ub294\uc9c0 \uc5ec\ubd80\uc640 \uc0ac\uace0\uc758 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc758\ub8cc\ube44 \ucc98\ub9ac \ubc29\uc2dd\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc544\ub798\uc5d0\uc11c \uac01\uac01\uc758 \uacbd\uc6b0\uc5d0 \ub300\ud574 \uc758\ub8cc\ube44 \ubcf4\uc0c1\uc774 \uc5b4\ub5bb\uac8c \uc774\ub8e8\uc5b4\uc9c0\ub294\uc9c0 \uc124\uba85\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n

    \n
  1. \ub3d9\uc2b9\uc790\uac00<\/strong> \ubcf8\uc778<\/strong> \uba85\uc758\uc758<\/strong> \uc790\ub3d9\ucc28<\/strong> \ubcf4\ud5d8\uc744<\/strong> \uac00\uc9c4<\/strong> \uacbd\uc6b0<\/strong><\/li>\n<\/ol>\n

    \ub3d9\uc2b9\uc790\uac00 \ubcf8\uc778 \uba85\uc758\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc744 \uac00\uc9c0\uace0 \uc788\ub2e4\uba74, \uc0ac\uace0\uc758 \ucc45\uc784\uc5d0 \uc0c1\uad00\uc5c6\uc774 \ubcf8\uc778\uc758 \uac1c\uc778<\/strong> \uc0c1\ud574<\/strong> \ubcf4\ud638<\/strong>(PIP, Personal Injury Protection)<\/strong> \ud61c\ud0dd\uc774 \uc6b0\uc120 \uc801\uc6a9\ub429\ub2c8\ub2e4. PIP \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \ub2e4\uc74c\uacfc \uac19\uc740 \uc758\ub8cc\ube44\uac00 \ubcf4\uc7a5\ub429\ub2c8\ub2e4:<\/p>\n

      \n
    • \ubcd1\uc6d0 \ubc0f \uc758\uc0ac \uc9c4\ub8cc\ube44<\/li>\n
    • \uc218\uc220 \ubc0f \uae30\ud0c0 \uc758\ub8cc\ucc98\uce58<\/li>\n
    • \uc7ac\ud65c\uce58\ub8cc \ubc0f \ubb3c\ub9ac\uce58\ub8cc<\/li>\n
    • \uc0c1\ud574\ub85c \uc778\ud55c \uc18c\ub4dd \uc190\uc2e4\uc758 \uc77c\ubd80 \ubcf4\uc0c1<\/li>\n<\/ul>\n

      \uadf8\ub7ec\ub098 \uc758\ub8cc\ube44\uac00 \ubcf8\uc778\uc758 PIP \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\ub294 \uacbd\uc6b0, \ub3d9\uc2b9\uc790\uac00 \ud0c0\uc778\uc758 \ubcf4\ud5d8\uc5d0\uc11c \ucd94\uac00\uc801\uc778 PIP \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. \ub300\uc2e0, \uac00\ud574 \uc6b4\uc804\uc790\uc758 \uc2e0\uccb4 \uc0c1\ud574 \ucc45\uc784 \ubcf4\ud5d8(Bodily Injury Liability, BI)\uc5d0\uc11c \ucd94\uac00 \ubcf4\uc0c1\uc744 \uccad\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d BI \ud55c\ub3c4\uac00 \ubd80\uc871\ud560 \uacbd\uc6b0, \ubcf8\uc778\uc758 \ubcf4\ud5d8<\/strong> \ubd80\uc871<\/strong> \uc6b4\uc804\uc790<\/strong>(UIM, Underinsured Motorist)<\/strong> \ubcf4\uc0c1\uc744 \ud1b5\ud574 \ucd94\uac00\uc801\uc778 \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub54c \ubcf4\uc0c1 \ud55c\ub3c4\ub294 \uac00\ud574 \uc6b4\uc804\uc790\uc758 BI \ud55c\ub3c4 \ub610\ub294 \ubcf8\uc778\uc758 UIM \ud55c\ub3c4 \uc911 \ub354 \ub192\uc740 \uae08\uc561\uc73c\ub85c \uc81c\ud55c\ub429\ub2c8\ub2e4.<\/p>\n

        \n
      1. \ub3d9\uc2b9\uc790\uac00<\/strong> \ubcf8\uc778<\/strong> \uba85\uc758\uc758<\/strong> \uc790\ub3d9\ucc28<\/strong> \ubcf4\ud5d8\uc774<\/strong> \uc5c6\ub294<\/strong> \uacbd\uc6b0<\/strong><\/li>\n<\/ol>\n

        \ub9cc\uc57d \ub3d9\uc2b9\uc790\uac00 \uc790\ub3d9\ucc28\ub97c \uc18c\uc720\ud558\uc9c0 \uc54a\uac70\ub098 \ubcf8\uc778 \uba85\uc758\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc774 \uc5c6\ub294 \uacbd\uc6b0, \uc0ac\uace0 \ucc28\ub7c9 \uc18c\uc720\uc790\uc758 PIP \ubcf4\ud5d8\uc774 \uc758\ub8cc\ube44\uc758 \uae30\ubcf8\uc801\uc778 \ubcf4\uc0c1 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc989, \ucc28\ub7c9 \uc18c\uc720\uc790\uc758 PIP \ubcf4\ud5d8\uc774 \ub3d9\uc2b9\uc790\uc758 \ubd80\uc0c1\uacfc \uad00\ub828\ub41c \uc758\ub8cc\ube44\ub97c \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \ucc98\ub9ac\ud569\ub2c8\ub2e4. PIP \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\ub294 \uacbd\uc6b0, \uac00\ud574 \uc6b4\uc804\uc790\uc758 BI \ubcf4\ud5d8\uc5d0\uc11c \ucd94\uac00 \ubcf4\uc0c1\uc744 \uccad\uad6c\ud560 \uc218 \uc788\uc73c\uba70, BI \ud55c\ub3c4\uac00 \ucda9\ubd84\ud558\uc9c0 \uc54a\uc744 \uacbd\uc6b0 \uc0ac\uace0 \ucc28\ub7c9 \uc18c\uc720\uc790\uc758 UIM \ubcf4\ud5d8\uc744 \ud1b5\ud574 \ucd94\uac00\uc801\uc778 \ubcf4\uc0c1\uc744 \ucd94\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

          \n
        1. PIP <\/strong>\ud55c\ub3c4\uac00<\/strong> \ucd08\uacfc\ub41c<\/strong> \uacbd\uc6b0\uc758<\/strong> \uc758\ub8cc\ube44<\/strong> \ucc98\ub9ac<\/strong><\/li>\n<\/ol>\n

          PIP \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\ub294 \uc758\ub8cc\ube44\uac00 \ubc1c\uc0dd\ud588\uc744 \uacbd\uc6b0, \ub9ce\uc740 \uc758\ub8cc \uc81c\uacf5\uc790\ub4e4\uc740 Letter of Protection (LOP)\ub97c \ud1b5\ud574 \uce58\ub8cc\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. LOP\ub294 \uc0ac\uac74\uc774 \ud574\uacb0\ub420 \ub54c\uae4c\uc9c0 \uc758\ub8cc\ube44\ub97c \uc720\uc608\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \ud569\uc758\ub85c, \ub098\uc911\uc5d0 \ud569\uc758\uae08\uc774\ub098 \ud310\uacb0\uae08\uc5d0\uc11c \uc758\ub8cc\ube44\uac00 \uc9c0\ubd88\ub418\ub3c4\ub85d \ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ud544\uc694\ud55c \uce58\ub8cc\ub97c \ubc1b\uc744 \uc218 \uc788\uc73c\uba70, \ubcf4\uc0c1 \uc808\ucc28\uac00 \uc9c4\ud589 \uc911\uc77c \ub54c \ubc1c\uc0dd\ud558\ub294 \uacbd\uc81c\uc801 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

            \n
          1. \ud1b5\uc99d<\/strong> \ubc0f<\/strong> \uace0\ud1b5\uc5d0<\/strong> \ub300\ud55c<\/strong> \ubcf4\uc0c1<\/strong><\/li>\n<\/ol>\n

            \ubd80\uc0c1\uc774 \uc2ec\uac01\ud558\uc5ec \ub274\uc800\uc9c0 \uae30\uc900\uc5d0 \ub530\ub978 \uc601\uad6c\uc801<\/strong> \uc190\uc0c1<\/strong>(Permanent Injury)\uc744 \ucd08\ub798\ud560 \uacbd\uc6b0, \ud1b5\uc99d<\/strong> \ubc0f<\/strong> \uace0\ud1b5<\/strong>(Pain and Suffering)\uc5d0 \ub300\ud55c \ubcf4\uc0c1\uc744 \uccad\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uac00\ud574 \uc6b4\uc804\uc790\uc758 BI \ubcf4\ud5d8\uc744 \ud1b5\ud574 \uccad\uad6c\ud560 \uc218 \uc788\uc73c\uba70, BI \ud55c\ub3c4\uac00 \ubd80\uc871\ud560 \uacbd\uc6b0 \ubcf8\uc778\uc758 UIM \ubcf4\uc0c1\uc73c\ub85c \ucd94\uac00\uc801\uc778 \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

              \n
            1. \ub3d9\uc2b9\uc790\ub85c\uc11c<\/strong> \uad8c\ub9ac\ub97c<\/strong> \ubcf4\ud638\ud558\uae30<\/strong> \uc704\ud55c<\/strong> \uc870\uce58<\/strong><\/li>\n<\/ol>\n

              \uc0ac\uace0 \ubc1c\uc0dd \ud6c4 \ub3d9\uc2b9\uc790\ub85c\uc11c \uc790\uc2e0\uc758 \uad8c\ub9ac\ub97c \ubcf4\ud638\ud558\uace0 \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ud558\uae30 \uc704\ud574 \ub2e4\uc74c\uacfc \uac19\uc740 \uc870\uce58\ub97c \ucde8\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4:<\/p>\n

                \n
              • \uc99d\uac70<\/strong> \uc218\uc9d1<\/strong>: \uc0ac\uace0 \ud604\uc7a5\uc758 \uc0ac\uc9c4\uc744 \ucc0d\uace0, \ubaa9\uaca9\uc790 \uc815\ubcf4\ub97c \uc218\uc9d1\ud569\ub2c8\ub2e4.<\/li>\n
              • \uc758\ub8cc<\/strong> \uae30\ub85d<\/strong> \ubcf4\uad00<\/strong>: \ubaa8\ub4e0 \uce58\ub8cc \uae30\ub85d\uacfc \uc758\ub8cc\ube44 \uc601\uc218\uc99d\uc744 \ucca0\uc800\ud788 \ubcf4\uad00\ud569\ub2c8\ub2e4.<\/li>\n
              • \ubcc0\ud638\uc0ac<\/strong> \uc0c1\ub2f4<\/strong>: \uac1c\uc778 \uc0c1\ud574 \uc804\ubb38 \ubcc0\ud638\uc0ac\uc640 \uc0c1\ub2f4\ud558\uc5ec \ubcf4\uc0c1 \uccad\uad6c \uacfc\uc815 \ubc0f \uad00\ub828 \ubcf4\ud5d8 \ud61c\ud0dd\uc5d0 \ub300\ud574 \ub3c4\uc6c0\uc744 \ubc1b\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n

                \uacb0\ub860<\/strong><\/p>\n

                \ub274\uc800\uc9c0\uc5d0\uc11c \ud0c0\uc778\uc758 \ucc28\ub7c9\uc5d0 \ub3d9\uc2b9 \uc911 \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud588\uc744 \ub54c \uc758\ub8cc\ube44 \ucc98\ub9ac \ubc29\uc2dd\uc740 \ubcf8\uc778\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uc720\ubb34\uc640 \ubcf4\ud5d8\uc758 \ubcf4\uc0c1 \ud55c\ub3c4\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. PIP, BI, UIM \ubcf4\uc0c1 \uc2dc\uc2a4\ud15c\uc758 \ucc28\uc774\ub97c \uc774\ud574\ud558\ub294 \uac83\uc774 \ud544\uc694\ud558\uba70, \uc774\ub97c \ud1b5\ud574 \uc758\ub8cc\ube44\uc640 \ucd94\uac00 \ubcf4\uc0c1\uc5d0 \ub300\ud574 \uba85\ud655\ud788 \uc774\ud574\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\uace0<\/strong> \uc0c1\ud574<\/strong> \uc804\ubb38<\/strong> \ubcc0\ud638\uc0ac<\/strong>\uc640 \uc0c1\ub2f4\ud568\uc73c\ub85c\uc368 \ubcf5\uc7a1\ud55c \uc808\ucc28\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ucc98\ub9ac\ud558\uace0 \uc815\ub2f9\ud55c \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

                \uba74\ucc45<\/strong> \uc870\ud56d<\/strong>: \uc774 \uae00\uc740 \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \ud558\uba70, \ubc95\uc801 \uc870\uc5b8\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc778 \ubc95\ub960 \uc9c0\uc6d0\uc774 \ud544\uc694\ud558\uc2e0 \uacbd\uc6b0, \uc1a1\ub3d9\ud638<\/strong> \uc885\ud569\ub85c\ud38c<\/strong>(201-461-0031)<\/strong> \ub610\ub294 pi@songlawfirm.com<\/strong>\uc73c\ub85c \uc5f0\ub77d\ud574 \uc8fc\uc2ed\uc2dc\uc624.<\/p>\n","protected":false},"excerpt":{"rendered":"

                \ub274\uc800\uc9c0\uc5d0\uc11c \ud0c0\uc778\uc758 \ucc28\ub7c9\uc5d0 \ub3d9\uc2b9 \uc911 \uc0ac\uace0\uac00 \ubc1c\uc0dd\ud588\uc744 \ub54c, \uc758\ub8cc\ube44\uac00 \uc5b4\ub5bb\uac8c \ucc98\ub9ac\ub418\ub294\uc9c0 \uc774\ud574\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0\ub294 \ubb34\uacfc\uc2e4 \ubcf4\ud5d8 \uc2dc\uc2a4\ud15c(No-Fault Insurance System)\uc744 \ucc44\ud0dd\ud558\uace0 \uc788\uc5b4, \ub3d9\uc2b9\uc790\uac00 \ubcf8\uc778 \uba85\uc758\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc744 \uac00\uc9c0\uace0 \uc788\ub294\uc9c0 \uc5ec\ubd80\uc640 […]<\/p>\n","protected":false},"author":1,"featured_media":21201,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[356,388],"tags":[2516,896,899,920,2628,3067,3068,703,3070,2935,865,3069,3071,2998],"class_list":["post-21204","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category---columns","tag-nj-ko","tag-ny-ko","tag--ko-2","tag-920","tag-2628","tag-3067","tag-3068","tag-attorney-ko","tag-3070","tag-2935","tag-865","tag-3069","tag-3071","tag-2998"],"yoast_head":"\n\ub274\uc800\uc9c0\uc5d0\uc11c \ub3d9\uc2b9\uc790\ub85c\uc11c \uc0ac\uace0\uac00 \ub0ac\uc744 \ub54c \uc758\ub8cc\ube44\ub294 \uc5b4\ub5bb\uac8c \ucc98\ub9ac\ub420\uae4c? 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